National Mediclaim Policy

The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common room categories covered under room rent are:

• Private Single AC Room
• Twin Sharing
• General Ward

Coverage status under National Mediclaim Policy?

Under National Mediclaim Policy, the room rent is covered by up to 1% of the SI subject to a maximum of Rs. 10,000/- per day.

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under National Mediclaim Policy?

Under this plan, ICU charges coverage is available up to 2% of the SI.

Under National Mediclaim Policy, the room rent is covered up to INR 20,000 per day

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under National Mediclaim Policy?

This plan covers medical expenses incurred during pre-hospitalization for up to 45 days.

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under National Mediclaim Policy?

This plan covers medical expenses incurred during post-hospitalization for up to 60 days.

Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.

Coverage status under National Mediclaim Policy?

Under National Mediclaim Policy, domiciliary hospitalizations are not covered.

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under National Mediclaim Policy?

This plan covers expenses of 140+ daycare procedures

Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under National Mediclaim Policy?

Not covered under the plan.

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. an approved center.

Coverage status under National Mediclaim Policy?

COVID-19 treatment cover is not available under this plan.

A common eye condition in which your vision gets blurred.

Coverage status under National Mediclaim Policy?

Under this plan, you are not covered for cataract treatment.

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under National Mediclaim Policy?

The plan offers a maximum of up to 50% of the sum insured.

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under National Mediclaim Policy?

The plan does not offer automatic restoration.

It is a cash amount that you receive each day during the time of hospitalization.

Coverage status under National Mediclaim Policy?

The daily hospital cash is unavailable under this policy but has a limit of room rent per day explained in the given table.

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under National Mediclaim Policy?

Under the plan, Organ Donor expenses are not covered.

It refers to the cover that includes expenses for normal and c-section procedures deliveries.

Coverage status under National Mediclaim Policy?

The maternity cover available under this plan is not covered.

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under National Mediclaim Policy?

AYUSH treatment is covered under this plan up to SI

Medical treatments that demand modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under National Mediclaim Policy?

Modern Treatment is covered for up to 25% of SI.

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.

Coverage status under National Mediclaim Policy?

This plan covers ambulance charges up to INR 2000.

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under National Mediclaim Policy?

Not covered

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under National Mediclaim Policy?

Not available

Any kind of medical/health emergency when you are outside of India.

Coverage status under National Mediclaim Policy?

Not available

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under National Mediclaim Policy?

The plan does not cover the expenses for e-consultation.

A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.

Coverage status under National Mediclaim Policy?

The plan offers a Health Check-up benefit for every 4 claim free years.

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

Coverage status under National Mediclaim Policy?

The plan does not cover expenses for Second Medical Opinion.

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under National Mediclaim Policy?

The plan does not offer vaccination coverage.

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Status under National Mediclaim Policy?

If opted, the policyholder may choose either of the two copayment options- 20% Co-payment on each admissible claim, with a 15% discount on premium.

15% Co-payment on each admissible claim, with a 10% discount on premium.

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.

Status under National Mediclaim Policy?

No sub-limits are available